CIBC Dividend® Visa* Card for Students  🇨🇦

Welcome Bonus
Up to $100 cash back
  • No annual fee
  • Purchase Insurance
  • Free SPC+ membership
Annual Fee
$0
Interest rates
Purchase Rates
20.99 %
Cash Advance Rates
22.99 %
21.99 % (QC)
Balance Transfer Rates
22.99 %
21.99 % (QC)
Etudiants-MeilleureCarteDeCredit-Milesopedia-2024

CIBC Dividend Visa classic front en
CIBC Dividend® Visa* Card for Students
Up to $100 cash back
Apply Now

Offer

Welcome Offer: Earn a 10% cash back welcome bonus of up to $100 (first 4 statements)†.

Plus, get 2% cash back on eligible grocery purchases!

  • 1% cash back on eligible gas, EV charging, transportation, dining purchases and recurring payments
  • 0.5% cash back on all other purchases
  • Get cash back on demand – redeem your cash back at any time when you have a minimum of $25 through CIBC Online and Mobile Banking®

Get all the student-life essentials on a budget

Eligible student clients can get a free SPC+ card membership, and receive over 450 deals on everyday purchases, bigger discounts, special experiences and exclusive giveaways. Start banking with CIBC and make student life more rewarding.

Card Awards

Etudiants-MeilleureCarteDeCredit-Milesopedia-2024
Best credit card – students

Fees & Conditions

Personal Income $0
Household Income $0
Annual Fee $0
First Additional Card $0
Foreign Transaction Fee 2.5%
Purchase Rates 20.99%
Cash Advance Rates 22.99%
Balance Transfer Rates 22.99%
Cash Advance Rate (QC) 21.99%
Balance Transfer Rates (QC) 21.99%

Value

Calculate the rewards
Your Monthly Spending
Year 1
Year 2+
Welcome Bonus
0 $
Annual Credit
Travel benefits
VIP Lounges
First year offer value
Rewards Earned
Annual fee
Net value

Advantages

Welcome Bonus amount Up to $100 cash back
Minimum Spending Required $1,000
Minimum Spending Timeframe (Months) 4 month(s)

Earnings

Per dollar of purchases

All Spending 0.5 %
Groceries 2 %
Gas 1 %
Dining and Food delivery 1 %
Convenience Stores 0.5 %
Drugstores 0.5 %
Local Transport 1 %
Travel 0.5 %
Entertainment 0.5 %
Recurring Payments 1 %
Telecom/Internet 0.5 %
Streaming services 0.5 %
Online transactions 0.5 %
Office Supplies 0.5 %

Insurance

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
$100,000
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance

There may be a daily maximum amount depending on the type of fees paid

Other Insurance

Insurance Name
Included
Amount
Duration
Extended Warranty
1 year
Purchase Protection
90 day(s)
Mobile Device Insurance
Price Protection

Our review

The CIBC Dividend® Visa* Card for Students is one of the best cash back Visa credit cards for students in Canada. For a limited time, earn 10% cash back up to $100 on your first 4 monthly statements.

With this CIBC Student Credit Card, you get:

  • 2% cash back on eligible grocery purchases
  • 1% cash back on eligible gas, EV charging, transportation, dining purchases and recurring payments
  • 0.5% cash back on all other purchases

What’s more, with this CIBC Student Credit Card, you benefit from a free free membership to SPCmembership, for instant savings on over 450 in-store and online transactions.

And this CIBC Student Credit Card offers some insurance coverages:

  • $100,000 Common Carrier Accident Insurance
  • Purchase Security and Extended Protection Insurance

Frequently Asked Questions

Alternative Cards

4.3 Milesopedia Rating